Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Naked Insurance is widely praised for a fast, app driven claims journey and consistently responsive consultants. Customers repeatedly describe claims approved within days, windscreen and device replacements handled at home, and named agents who communicate proactively. The clearest friction sits in device claim validation, replacement valuations against insured amounts, and inconsistent panel beater workmanship on longer motor repairs.
Top Strengths:
- •Agent Quality & Customer Care: Customers name individual consultants such as Tieho, Mandisa, Nombulelo, Sandile and Jennika, describing them as empathetic, patient and proactive. Reviewers frequently say agents replied within minutes and made a stressful loss feel manageable.
Replied to 100% of negative reviews
Reply time on negative reviews: 2h 21m
TrustIndex
9.9
Ranking
#4
in Pet Insurance
Reply Time
1h 13m
NPS Score
62
Recommended: Very Likely
Replied to 100% of negative reviews
Reply time on negative reviews: 2h 21m
Dec '25 - Nov '26
Frequently Asked Questions About Naked Insurance
What do customers say about Naked Insurance?
Based on recent customer reviews, Naked Insurance is widely praised for a fast, app driven claims journey and consistently responsive consultants. Customers repeatedly describe claims approved within days, windscreen and device replacements handled at home, and named agents who communicate proactively. The clearest friction sits in device claim validation, replacement valuations against insured amounts, and inconsistent panel beater workmanship on longer motor repairs.
What is Naked Insurance's biggest strength?
Naked Insurance's biggest strength, according to Hellopeter's AI analysis, is Agent Quality & Customer Care. Customers name individual consultants such as Tieho, Mandisa, Nombulelo, Sandile and Jennika, describing them as empathetic, patient and proactive. Reviewers frequently say agents replied within minutes and made a stressful loss feel manageable.
What are the most common complaints about Naked Insurance?
The most common complaint about Naked Insurance, based on Hellopeter's AI analysis of recent customer reviews, is Claims Handling & Resolution. Most claims are approved within days, yet a persistent minority describe device claims rejected on technicalities such as missing selfies, CCTV footage or device age, alongside multi month motor and building claim delays.
How does Naked Insurance compare to other Car Insurance companies?
Naked Insurance scores 4.1 out of 5 on Hellopeter's AI analysis of service quality in Car Insurance, compared to the Car Insurance industry average of 3.2. Their strongest theme is Agent Service (4.6); their weakest is Pricing & Excess (3.3). The top AI-rated Car Insurance business on Hellopeter is OUTsurance (4.2). How is the AI Score calculated? →
Is Naked Insurance trustworthy?
Naked Insurance has a TrustIndex of 9.9 out of 10 on Hellopeter, based on 2,267 reviews in the last 12 months. They reply to 100% of negative reviews, typically within 2 hours 21 min. Hellopeter has tracked Naked Insurance across 9,475 total reviews. How is the TrustIndex calculated? →
Recent reviews (2,267)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Aug 2015
Had an overall good experience with my claim after a minor accident involving a 3rd party claimant
Had an overall good experience with my claim after a minor accident involving a 3rd party claimant. No hassle and very friendly staff! Thank you, Naked.
1 reviews | Active since Aug 2015
Had an overall good experience with my claim after a minor accident involving a 3rd party claimant
Had an overall good experience with my claim after a minor accident involving a 3rd party claimant. No hassle and very friendly staff! Thank you, Naked.
1 reviews | Active since Oct 2026
Poor Service
I've been on the phone on hold for 30 mins and still waitinf for someone to answer. I have questions about my claim and no one is answering eventhough it is office hours on a saturday. This is unacceptable I can't believe I'm paying this much for this service and I'm getting such poor service quality
1 reviews | Active since Oct 2026
Poor Service
I've been on the phone on hold for 30 mins and still waitinf for someone to answer. I have questions about my claim and no one is answering eventhough it is office hours on a saturday. This is unacceptable I can't believe I'm paying this much for this service and I'm getting such poor service quality
1 reviews | Active since Dec 2024
Bait-and-Switch: Naked's App quotes R135, but their system forces R177 for HALF the cover.
I am utterly disappointed and frustrated with Naked Insurance's deceptive pricing tactics. I received an auto-renewal email stating my iPhone 13 premium was going up to R176 pm, and my excess was being doubled from R2,000 to R4,000. To avoid over-insuring my older phone(which is what they always preach), I went into the Naked app and did exactly what you are supposed to do: I updated my insured value from the outdated R16,000 down to the actual iStore refurbished replacement cost of R9,000. I kept my excess at R2,000. The app confirmed the update and quoted me R135 pm. An hour later, I received an automated email from Naked stating: "Your premium will increase from R135 to R177 on 7 December." Let's look at the absolute **************** of this math: Initially I was paying R163 for R16 000 with R2000 excess · Automatic change to my cover for a depreciating phone knowing very well that should I lose my phone they won't give me the full amount even after deducting an excess: R176 pm for R16,000 cover (R4,000 excess). · My new reality after updating on the app: R177 pm for R9,000 cover (R2,000 excess). I halved my cover, reduced my risk to Naked, and their system actually wants to charge me more than their initial offer. When I queried this, an agent (Kamogelo) gave me a scripted response about "broader risk and pricing reviews." Furthermore, Kamogelo confirmed in writing that: 1. The "R9,000 cover" is just a maximum limit. If my phone is ******, they will just source the cheapest replacement and not pay out the limit in cash. 2. If I crack my screen (e.g., R2,500 repair), my R2,000 excess means I have to pay almost the whole thing myself anyway. What is the point of having an app that lets you update your cover to save money, if your backend algorithm is just going to override the quote and charge you a 31% premium increase anyway? This is a classic bait-and-switch. You punish customers for being honest and updating their depreciating assets. I have demanded that Naked honour the R135 quote their own app generated, or I will cancel my policy immediately. If you are looking for transparent insurance especially for depreciating single items, be warned: Naked's "smart" algorithm is designed to squeeze more money out of you while providing less cover. I am currently exploring other insurances.
1 reviews | Active since Dec 2024
Bait-and-Switch: Naked's App quotes R135, but their system forces R177 for HALF the cover.
I am utterly disappointed and frustrated with Naked Insurance's deceptive pricing tactics. I received an auto-renewal email stating my iPhone 13 premium was going up to R176 pm, and my excess was being doubled from R2,000 to R4,000. To avoid over-insuring my older phone(which is what they always preach), I went into the Naked app and did exactly what you are supposed to do: I updated my insured value from the outdated R16,000 down to the actual iStore refurbished replacement cost of R9,000. I kept my excess at R2,000. The app confirmed the update and quoted me R135 pm. An hour later, I received an automated email from Naked stating: "Your premium will increase from R135 to R177 on 7 December." Let's look at the absolute **************** of this math: Initially I was paying R163 for R16 000 with R2000 excess · Automatic change to my cover for a depreciating phone knowing very well that should I lose my phone they won't give me the full amount even after deducting an excess: R176 pm for R16,000 cover (R4,000 excess). · My new reality after updating on the app: R177 pm for R9,000 cover (R2,000 excess). I halved my cover, reduced my risk to Naked, and their system actually wants to charge me more than their initial offer. When I queried this, an agent (Kamogelo) gave me a scripted response about "broader risk and pricing reviews." Furthermore, Kamogelo confirmed in writing that: 1. The "R9,000 cover" is just a maximum limit. If my phone is ******, they will just source the cheapest replacement and not pay out the limit in cash. 2. If I crack my screen (e.g., R2,500 repair), my R2,000 excess means I have to pay almost the whole thing myself anyway. What is the point of having an app that lets you update your cover to save money, if your backend algorithm is just going to override the quote and charge you a 31% premium increase anyway? This is a classic bait-and-switch. You punish customers for being honest and updating their depreciating assets. I have demanded that Naked honour the R135 quote their own app generated, or I will cancel my policy immediately. If you are looking for transparent insurance especially for depreciating single items, be warned: Naked's "smart" algorithm is designed to squeeze more money out of you while providing less cover. I am currently exploring other insurances.
1 reviews | Active since Dec 2010
Great Service
Naked Ins. handled my recent lightning damage claim very efficiently, claim handler and loss adjuster were professional
1 reviews | Active since Dec 2010
Great Service
Naked Ins. handled my recent lightning damage claim very efficiently, claim handler and loss adjuster were professional
1 reviews | Active since Nov 2016
Naked Car Insurance - best find!
What a pleasure dealing with Naked Insurance! I have just retired, so am on a mission to save costs. Naked was the cheapest by far! I'm saving over R250pm! Not only that, you do it all online. In 5 minutes, you have a quote - they only ask for the bare necessities 😜 - and in another 10, you're covered. And the most wonderful thing is that you do not get endless unwanted calls from other insurers who 'somehow' know you're looking for cover! I had to deal with their service as I could not get the scan to work - even that was quick and efficient, and the problem was solved in minutes. Really happy with the whole experience.
1 reviews | Active since Nov 2016
Naked Car Insurance - best find!
What a pleasure dealing with Naked Insurance! I have just retired, so am on a mission to save costs. Naked was the cheapest by far! I'm saving over R250pm! Not only that, you do it all online. In 5 minutes, you have a quote - they only ask for the bare necessities 😜 - and in another 10, you're covered. And the most wonderful thing is that you do not get endless unwanted calls from other insurers who 'somehow' know you're looking for cover! I had to deal with their service as I could not get the scan to work - even that was quick and efficient, and the problem was solved in minutes. Really happy with the whole experience.
1 reviews | Active since Oct 2026
Bad service
So my TV accidently fell, and Naked refused to pay for it. One thing that annoyed me the most was the fact that, when I signed up for household content, I was never given a chance to write a list of what I wanted to insure. 99.9% of people have tv's in their household. I've been paying an extra 200+ every month for nothing. I could have saved this money for my children. Very upset. I'm really worried on keeping my vehicle with them. I don't trust them anymore. They will find a loophole not to pay. I'm shopping around for a better insurance company
1 reviews | Active since Oct 2026
Bad service
So my TV accidently fell, and Naked refused to pay for it. One thing that annoyed me the most was the fact that, when I signed up for household content, I was never given a chance to write a list of what I wanted to insure. 99.9% of people have tv's in their household. I've been paying an extra 200+ every month for nothing. I could have saved this money for my children. Very upset. I'm really worried on keeping my vehicle with them. I don't trust them anymore. They will find a loophole not to pay. I'm shopping around for a better insurance company